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According to New Hampshire's Workers' Compensation Law, every employer who has any employees—full- or part-time—is legally obligated to carry Workers' Compensation Insurance for their employees. If your employees are also your family members (e.g., daughter, son, husband, etc.), you must still cover them. Non-profit organizations are also required to carry WC coverage.

NH Workers' Comp: Key Details

  • Sole proprietors, partners, and self-employed persons in New Hampshire are not required to carry Workers' Compensation for themselves, but may elect to if they wish.
  • If you utilize the services of subcontractors in your business, ascertain that they are carrying Workers' Compensation coverage for their employees. Otherwise, you may be held liable for the compensation of any injuries that the subcontractor's employees sustain.
  • Insurance can be purchased from a private insurance company. Qualifying businesses may be able to self-insure.

Workers' Compensation Insurance Laws By State